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Approval for Chase Ink Business Cash

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SFLSpotter9210
Valued Contributor

Approval for Chase Ink Business Cash

So when I opened my business account with Chase back in 2022 the banker showed I had pre approval for all business/personal account. At that particular time I didn't have a need for either. But, as of recently I was ready to research a business card. And today I went into my branch and spoke with my banker and again she advised that I again was showing pre approval for all business/personal cards. So I went ahead and applied for the Ink Business Cash card. 

 

To her dismay after getting off the phone with their CSC she said it's under review. Well that wasn't good enough for me. And I called when arriving back at my home. And there was some questions they needed to ask and verify. Upon completion the agent came back on the phone and said congratulations you're approved for 5k. 

 

Not happy with that amount of SCL I inquired about a CLI. After entering in the information she came back with I'm sorry sir we couldn't approve you for any more credit at this time. 

 

So in closing I guess that the credit line now shall be sufficient. I will however be checking for a CLI in the future. Is there a time frame I should adhere to in achieving said CLI? I appreciate any and all recommendations you awesome MyFICO champs have!!

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay18,900k | Citi Strata+ 13,600 | Citi Double Cash 27,800 | Citi Simplicity 10,000 | Citi Custom Cash 20,600 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 20,600 | GS Apple 7,500 | Chase Sapphire Preferred 27,000 | Fico 8 Scores EQ=837 | EX=838 | TU=834scores and CL current as of 05/08/26 AAoA years 24 months | AoOA=18yrs
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18 REPLIES 18
JoeRockhead
Community Leader
Super Contributor

Re: Approval for Chase Ink Business Cash

My experience with them has been that I was approved for the Ink Unlimited with a $8k SL, and the Ink Cash with a $4k SL (35 days apart)... Over the course of the following 18 months they grew to where they are now (hover over cards in siggy). All by way of auto CLIs that came consistently about every 4 months. 

 

I put heavy spend on them and PIF after the statement cut. For most people the time line for requests is typically every 6 months, but have seen some with strong profiles get them at 4 months.  I'm a firm believer that if you show them good usage/spend consistently, they have no issues being generous in return.   Congratulations on your approval!

Message 2 of 19
SFLSpotter9210
Valued Contributor

Re: Approval for Chase Ink Business Cash

@JoeRockhead  thank you very much for the intel. That is going to be my standard to pay everything off at end of statement. That's what I've been doing anyhow. Again appreciate your information. Have a great weekend. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay18,900k | Citi Strata+ 13,600 | Citi Double Cash 27,800 | Citi Simplicity 10,000 | Citi Custom Cash 20,600 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 20,600 | GS Apple 7,500 | Chase Sapphire Preferred 27,000 | Fico 8 Scores EQ=837 | EX=838 | TU=834scores and CL current as of 05/08/26 AAoA years 24 months | AoOA=18yrs
Message 3 of 19
GZG
Senior Contributor

Re: Approval for Chase Ink Business Cash


@SFLSpotter9210 wrote:

Not happy with that amount of SCL I inquired about a CLI. After entering in the information she came back with I'm sorry sir we couldn't approve you for any more credit at this time. 

 

So in closing I guess that the credit line now shall be sufficient. I will however be checking for a CLI in the future. Is there a time frame I should adhere to in achieving said CLI? I appreciate any and all recommendations you awesome MyFICO champs have!!


congrats on the ink approval, great sub!!

 

inks are typically low CL cards to start, they'll need some time if you want to build their CL up, but if you do plan on heavy spend on them, they'll grow just like ^^^ 

Starting FICO 8:
Current FICO 8:



Message 4 of 19
SFLSpotter9210
Valued Contributor

Re: Approval for Chase Ink Business Cash

@GZG thanks a lot. Yeah Chase is the elusive beast I've never caught up until this point. So great data points. Have a great rest of your weekend.

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay18,900k | Citi Strata+ 13,600 | Citi Double Cash 27,800 | Citi Simplicity 10,000 | Citi Custom Cash 20,600 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 20,600 | GS Apple 7,500 | Chase Sapphire Preferred 27,000 | Fico 8 Scores EQ=837 | EX=838 | TU=834scores and CL current as of 05/08/26 AAoA years 24 months | AoOA=18yrs
Message 5 of 19
Jordan23ww
Senior Contributor

Re: Approval for Chase Ink Business Cash

Congratulations on your approval!

       
 


Message 6 of 19
SFLSpotter9210
Valued Contributor

Re: Approval for Chase Ink Business Cash

@Jordan23ww thanks very much. Have a great week coming up. 👍 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay18,900k | Citi Strata+ 13,600 | Citi Double Cash 27,800 | Citi Simplicity 10,000 | Citi Custom Cash 20,600 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 20,600 | GS Apple 7,500 | Chase Sapphire Preferred 27,000 | Fico 8 Scores EQ=837 | EX=838 | TU=834scores and CL current as of 05/08/26 AAoA years 24 months | AoOA=18yrs
Message 7 of 19
cashorcharge
Community Leader
Super Contributor

Re: Approval for Chase Ink Business Cash

Not sure it's visible for you yet...but you will see the "Credit Limit Increase" under "more services" for your account and they'll do a SP CLI if your account is deemed eligible.

Congratulations on your Approval!!👏🏼🍾🥂

Message 8 of 19
SFLSpotter9210
Valued Contributor

Re: Approval for Chase Ink Business Cash

@cashorcharge yeah the CLI button is there. I already asked them to reconsider me for a higher limit. It came back as denied for the time being. It will work for now. I'm in the slow season now anyways. But thanks for the intel. Have a great week. 

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 13,700 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay18,900k | Citi Strata+ 13,600 | Citi Double Cash 27,800 | Citi Simplicity 10,000 | Citi Custom Cash 20,600 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Truiest 4,500 | Truiest Rewards 4,500 | Citi Custom Cash 20,600 | GS Apple 7,500 | Chase Sapphire Preferred 27,000 | Fico 8 Scores EQ=837 | EX=838 | TU=834scores and CL current as of 05/08/26 AAoA years 24 months | AoOA=18yrs
Message 9 of 19
cashorcharge
Community Leader
Super Contributor

Re: Approval for Chase Ink Business Cash

If you click the button and your ineligible, it will state and suggest you update your income.  If it allows you to proceed (in the future) then it's worth a shot when the time comes

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